Deposit Timing by Payment Method?
Deposits are created on each US banking day for every merchant with a payment volume that has been released. Card transactions are deposited into the merchant bank account on the following business day (T+1), while ACH transactions are deposited four business days following the transactions (T+4).
Additionally, ACH transactions are not processed over the weekend or banking holidays, which means the Transaction Date (T) does not equal the purchase for transactions initiated on a Saturday, Sunday, or banking holiday.
Credit Card Transactions
| Card Transactions (T+1) - 11pm ET Cutoff |
Transaction Date (T) | Deposit (T+1) |
Monday | Tuesday |
Tuesday | Wednesday |
Wednesday | Thursday |
Thursday | Friday |
Friday | Monday |
Saturday | Monday |
Sunday | Monday |
ACH Transactions
| ACH Transactions (T+4) - 9pm ET Cutoff |
Transaction Date (T) | Deposit (T+4) |
Monday
(Includes Transactions entered on Saturday, Sunday, or Monday) | Friday |
Tuesday | Monday |
Wednesday | Tuesday |
Thursday | Wednesday |
Friday | Thursday |
What are the banking holidays for FY 2025?
Banking holidays are days on which your bank does not accept transactions. Here is a list of the banking holidays for 2025.
Note: When a bank holiday falls within the payout window, it does not count as a business day as banks are not open.
New Years Day | Jan 1, 2025 |
Birthday of Martin Luther King, Jr. | Jan 20, 2025 |
Washington’s Birthday | Feb 17, 2025 |
Memorial Day | Mar 26, 2025 |
Juneteenth National Independence Day | Jun 19, 2025 |
Independence Day | Jul 4, 2025 |
Labor Day | Sep 1, 2025 |
Columbus Day | Oct 13, 2025 |
Veterans Day | Nov 11, 2025 |
Thanksgiving Day | Nov 27, 2025 |
Christmas Day | Dec 25, 2025 |